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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Washington are about $19 a month cheaper than the rates drivers pay in Auburn.
Likewise, residents of Auburn might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Auburn is about $14 more expensive than the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Auburn, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Auburn to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Auburn.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Auburn is about $7 per month. Based on the chart above, you can see that male drivers pay $98 on average, while female drivers typically pay $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Auburn with a single accident on their record is about $134 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $146 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$158|
|15 Years or Older||$96|
In terms of affordable coverage, the cheapest vehicles to insure in Auburn are typically SUVs, at $81 per month.
Car owners, on the other hand, by and large pay around $101 a month, while truck and van drivers can expect to pay about $84 per month for car insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Auburn, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Auburn follows that pattern, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Auburn can expect to pay around $21 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Auburn, WA
Recent trends in car insurance for Auburn drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in Auburn decreased from 2017-2018, before steadying out in 2019. Policy premiums have been decreasing again recently, and were down to $94 in 2022.
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Local crime rates
- Local laws
- Amount of off-street parking
- Road Safety (total number of local car accidents)
- Total number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Auburn?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Auburn in no time.
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Auburn Insurance FAQs
What factors affect car insurance quotes in Auburn?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Auburn?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Auburn?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Auburn or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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